cash flow planning

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What financial planning actually means

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Many people hear the words “financial planning” and immediately think of investments. They picture unit trusts, retirement funds, market performance and charts showing whether their money has grown. Investments are part of financial planning, but they are only one part. Real financial planning is about connecting your money to[...]
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Downsizing, Semigration, or Staying Put in Retirement: The Real Financial Trade-Offs

By Frank Daubenton, CFP® Property decisions in later life are rarely neutral. A home carries memory, identity, and comfort. That makes the financial choices harder, and often delayed. Yet housing is usually one of the largest asset on a retiree’s balance sheet. Decisions around it deserve clear thinking before emotions take over. Whether you sell[...]
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